Government Salary Account Terms and Conditions

Government Salary Account Terms and Conditions

Enclosed below are HDFC Bank Defence Salary Account Fees and Charges

Description of ChargesDefence Salary Account
Minimum Balance (Average Monthly Balance)NIL
Charges on non maintenance thereofNIL
PAP Cheque bookFree 25 cheque leaves per year (Financial year)
Additional chequebook of 25 leaves will be charged @ Rs 75/- per chequebook
PAP Cheque book usage chargesNo Charges
Issue of duplicate / adhoc statements
  • Soft Copy -
    • Last 5 years statement through NetBanking - No charge
    • eStatement on registered E-mail ID - No charge
  • Physical copy -
    • Branch - Rs 100/-
    • PhoneBanking (Non IVR) - Rs.75/-
    • PhoneBanking (IVR), NetBanking, MobileBanking, & ATM - Rs.50/-
Hold StatementRs. 400 per year
Passbook issuance*Free
Duplicate passbook issuance*Rs 100/-
Managers Cheques / Demand Drafts - Issuance / Re-issuance - On HDFC Bank Locations
DD/MC  Charges Through Branch

Free upto Rs.25,000
Above Rs. 25,000 Rs.5 per 1000 (min Rs 75/- & max Rs. 10,000)
DD request through Netbanking
Upto Rs. 10 LakhRs .50+(Corr. Bank charges if applicable)
Third party DD upto Rs. 1,00,0000Rs .50+(Corr. Bank charges if applicable)
*Third Party Registration required ( customers registered for third party transfers have a maximum limit of Rs. 10 lakhs per customer id and hence can issue multiple DDs of Rs. 1 lakh upto Rs. 10 lakhs and send it to the beneficiary address)
Managers Cheque/Demand Drafts - Cancellation / RevalidationRs 100/- (Nil cancellation / revalidation charges for Managers Cheque / DD value upto Rs.1000/-)
Demand Drafts- Issued - On Non HDFC Bank Locations
Rs. 50 plus charges as outlined below:
Upto Rs. 500Rs. 10
Above Rs. 500 to Rs. 1000Rs. 15
Above Rs. 1000 to Rs. 5000Rs. 25
Above Rs. 5000 to Rs. 10,000Rs. 30
Above Rs. 10,000Rs. 5 per 1000
Cheque Collection - Local Clearing ZoneFree
Collection of outstation cheques - our bank locations
Charges for cheques drawn on Branch locations
Upto Rs 5,000Rs. 25/-,
Rs. 20/- for Rural branches
Rs. 5,001 to Rs 10,000Rs. 50/-,
Rs. 40/- for Rural branches
Rs. 10,001 to Rs. 1,00,000Rs. 100/-
Rs. 1,00,001 and aboveRs. 150/-
Cheques drawn on Speed Clearing Branches - at non CTS locations
Upto Rs. 1,00,000No charges
Rs. 1,00,001 and aboveRs. 140 /- per instrument
Cheques drawn on Speed Clearing Branches - at CTS locationsNo charge
Effective 1st December'14 "Charges on FD receipts / Govt challans/Treasury bills-challans / Refund orders/Vouchers/Instruments (not in cheque form) deposited for collection would be levied as per correspondent bank charges
Collection of outstation cheques - other locations
Charges for cheques drawn on Non-Branch locations
Upto Rs 5,000Rs. 25/-,
Rs. 20/- for Rural branches
Rs. 5,001 to Rs 10,000Rs. 50/-,
Rs. 40/- for Rural branches
Rs. 10,001 to Rs. 1,00,000Rs. 100/-
Rs. 1,00,001 and aboveRs. 150/-
Cheques drawn on Speed Clearing Branches - at non CTS locations
Upto Rs. 1,00,000No charges
Rs. 1,00,001 and aboveRs. 140 /- per instrument
Cheques drawn on Speed Clearing Branches - at CTS locationsNo charge
Effective 1st December'14 "Charges on FD receipts / Govt challans/Treasury bills-challans / Refund orders/Vouchers/Instruments (not in cheque form) deposited for collection would be levied as per correspondent bank charges
Cheque return charges drawn on us - Local
Due to insufficient funds - Each cheque return will be charged for Rs.500 /-
Charges due to funds transfer cheque return - Rs. 350/-
Due to Technical reasons - Rs.50/ per instance will be charged
Cheques deposited returned unpaidCharge of Rs 200/- per instance would be levied
Balance Enquiry - at BranchFree
Balance CertificateCurrent year - Free, Previous year - Rs. 50
Interest CertificateRs. 50
TDS CertificateFree
Account Closure (from account opening date)Upto 14 days - No Charge
15 days upto 12 months - Rs 500/-
Beyond 12 months - No Charge
Photo AttestationRs 100/- per instance
NIL (For Senior Citzens)
Signature AttestationNIL
Address ConfirmationRs 50/- per instance
Stop Payment ChargesParticular cheque - Rs. 100/- 

Range of cheques - Rs. 200/-

Free through NetBanking
Standing InstructionsSetting up Charges - NIL
Rs. 25 per transaction plus remittance charge
Unarranged overdraftRs 100 per Occasion + 18% Interest p.a
Old records/copy of paid chequesUpto 1 year - Rs. 50 per record, 
Above 1 year - Rs. 100 per record
Activation of dormant accountNo charges
Branch transactions (Includes only Cheque deposit/Cheque issuance/Funds Transfer Debit/NEFT/RTGS) 
(Charges over and above standard remittance charges for Fund Transfer / NEFT / RTGS .Remittance charges applicable starting first transaction onwards)
- In case the AMB in the previous month is equal to or above Rs 50,000/- No charges would be levied 
-In case the AMB is below Rs 50,000/- 15 txn free/month would be permitted and charge of Rs 75/txn would be levied from the 16th transaction onwards
Number of Cash transactions(Cumulative of Deposit and Withdrawal)4 free cash transactions per month

5th transaction onwards - Rs.150/- per transaction (plus taxes as applicable) would be levied
Value of Cash transactions(Cumulative of Deposit and Withdrawal)Home Branch
2 lakh ---Free per month per account.
Above 2 lakh---Rs.5/- per thousand or part thereof, subject to a minimum of Rs.150/-(plus taxes as applicable)

Non-Home Branch:
Cash transactions value upto Rs.25,000/- per day –No charge 
Above Rs.25,000/- ---Rs.5/- per thousand or part thereof, subject to a minimum of Rs.150/- (plus taxes as applicable)
Third party Cash transaction (Cumulative of Deposit and Withdrawal)Upto a limit of Rs.25,000/- per day ---Rs.150/- (plus taxes as applicable) Above Rs.25,000/- not allowed 

For Senior Citizen customers, Kids/Minor Accounts, while the limit of Rs.25000/- per day will be applicable , the accounts will not be charged
Cash Handling chargesWithdrawn effective 01st March, 2017
Local Cheque deposited for outstation accountsFree
Phonebanking - IVRFree
Phonebanking - Non IVRFree
ATM CardFree
ATM Card - Replacement chargesRs. 200 (plus taxes as applicable and cess)
Debit Card - Annual Fee - Regular / RewardsFree
Debit Card - Annual Fee - TitaniumFree
Debit Card - Annual Fee - Titanium RoyaleRs. 400 per year (plus taxes as applicable and cess)
Debit Card - Annual Fee - Times PointsRs. 650 per year (plus taxes as applicable and cess)
Debit Card - Annual Fee - Gold / PlatinumRs.750 per year (plus taxes as applicable and cess)
Debit Card - Annual Fee - Women's CardFree
Debit Card - Renewal Fee - Regular / RewardsFree
Debit Card - Renewal Fee - TitaniumFree
Debit Card - Renewal Fee - Titanium RoyaleRs. 400 per year (plus taxes as applicable and cess)
Debit Card - Renewal Fee - Times PointsRs. 650 per year (plus taxes as applicable and cess)
Debit Card - Renewal Fee - Gold / PlatinumRs.750 per year (plus taxes as applicable and cess)
Debit Card - Renewal Fee - Women's CardFree
Debit Card - Replacement chargesReplacement of a damaged card - No charges & Replacement of a lost card - Rs. 200 (plus taxes as applicable and cess) (for all card types)
ATM / Debit Card Card - Transaction Charge
HDFC BANK ATMsOther Bank ATMs
First 5 Transactions Free  across all Cities(a) In Top 6 cities** : First 3 Transactions Free
(b) Non Top 6 cities : First 5 Transactions Free
*Includes both financial and non-financial transactions (includes only Balance Enquiry, Mini Statements requests and PIN change transactions)
For transactions done on other bank ATMs, Maximum of 5 transactions free in a month with a cap of Maximum 3 free transactions in Top 6 Cities
 **Top 6 Cities - Transactions done in Mumbai, New Delhi, Chennai, Kolkata, Bengaluru and Hyderabad ATMs
Please check with your respective Corporate Salary Manager / Branch Manager for details of the offer.

Transactions over and above free limit will be charges as under:
  • Cash withdrawal - Rs. 20 plus taxes as applicable and cess per transaction
  • Non-Financial Transaction - Rs. 8.5 plus taxes as applicable and cess per transaction
Debit Card - Transaction Charge - Non HDFC Bank International ATMsRs. 25 per balance enquiry & Rs. 125 per cash withdrawal (plus taxes as applicable)
The Bank will charge cross-currency mark-up of 3.5% on foreign currency transactions carried out on Debit Cards. The exchange rate used will be the VISA/Master Card wholesale exchange rate prevailing at the time of transaction
PIN regeneration chargeRs. 50 (plus taxes as applicable and cess)
Decline charge for insufficient balanceTransactions declined at other Bank ATMs anywhere in the world or at a Merchant outlet outside India due to insufficient funds will be charged at Rs. 25 per transaction (plus taxes as applicable and cess)
Add-on Debit Card - RegularFree
Add-on Debit Card - Rewards500 per year (plus taxes as applicable and cess)
Add-on Debit Card - Gold Card / PlatinumRs.750 per year (plus taxes as applicable and cess)
Add-on Debit Card - Times PointsRs. 650 per year (plus taxes as applicable and cess)
Add-on Debit Card - Women's CardFree
Add-on Debit Card - TitaniumRs. 250 per year (plus taxes as applicable and cess)
Add-on Debit Card - Titanium RoyaleRs. 400 per year (plus taxes as applicable and cess)
BillPayFree
InstaPayRs. 10 (plus taxes as applicable and cess) per transaction
InstaAlertFree
Visa Money TransferRs. 5 (plus taxes as applicable and cess) per transaction
NEFT Charges - InwardNIL
NEFT Charges- outwardNEFT Through NetBanking - Free
NEFT through branches - below charges
Amounts up to Rs. 10,000 - Rs.2.5 (exclusive of taxes and cess) per transaction 
Amounts from Rs.10,001 to Rs.1 lakh - Rs. 5 (exclusive of taxes and cess) per transaction
Amounts above Rs. 1 lakh up to Rs. 2 lakh - Rs. 15 (exclusive of taxes and cess) per transaction
Amounts above Rs.2 lakh – Rs.25 (exclusive of taxes and cess) per transaction
NEFT Charges for Indo Nepal transactionsCustomers having NSBL*A/c - Rs 20/-
Customers having non-NSBL* A/c:
Upto Rs 5,000 - Rs 70/-
Above Rs 5,000 - Rs 95/-
* Nepal State Bank Ltd
RTGS - Outward

RTGS through NetBanking - Free
RTGS through branches:
Above Rs. 2 Lakhs to 5 Lakhs - Rs. 25 (exclusive of taxes and cess) per transaction
Above Rs 5 Lakhs - Rs. 50 (exclusive of taxes and cess) per transaction

RTGS - InwardNIL
IMPS (Immediate Payment Service) – Outward
    • Amount up to Rs. 1 lakh - Rs.5 (exclusive of taxes and cess) per transaction
    • Amount above Rs. 1 lakh up to Rs. 2 lakhs - Rs. 15 (exclusive of taxes and cess) per transaction
    IMPS (Immediate Payment Service) - InwardNIL
    MobilebankingFree
    NetbankingFree
    ECS / ACH (Debit) Return ChargesRs 500/- + taxes per instance.
    Any Deliverable returned by courier due to negative reasons (no such consignee/ consignee shifted and no such address)Rs 50/- per instance
    TIN Regeneration (requests received at the branch for physical dispatch)Rs 50/- per instance
    IPIN Regeneration (requests received at the branch for physical dispatch)Rs 100/- per instance
    SI rejectsRs 200/- per instance

    *at home branch for account holders (individuals)

    All  fees and charges,mentioned in the tariff of charges,will attract Goods & Services Tax as applicable.